Pet insurance annual limits
Definitely skip the preventative care, it's never worth it. If you use all the benefits it offers (the vast majority do not) you would only save something like $50 with most plans. I think $15k would be the lowest I'd ever go and what I currently have for my one remaining carlt. My cat has lymphoma and, while spread between two policy years, had a out $9k worth of reimbursments in 3.5 months before he before he passed. Any future pets will have at least $20k. I have Embrace too. Make sure after the waiting period you send in all his medical history SOAP notes and ask them to do a medical history review. It's free and they will go over the notes and let you know what they find as permanent or temporary pre-existing conditions. This also makes future claims process faster as the hard part is already done. I would highly recommend the exam fee and prescription add-ons. At least 1.5k of that 9k I had reimbursed was between those two categories, and the add-on is very reasonably priced.